Drops · Realestate · Dubai · Harbour LightsBackPROPE-S-151284
1-BED APARTMENT HARBOUR LIGHTS
1BR + 2BA · 817 sqft
Verified 4h ago
Now
AED 1.53M
AED 1,873
Price / sqft
817 sqft
Built-up area
1BR + 2BA
8d
On market
AED 7,886
Mortgage est.
25y · 6% · 20% down
II · THE THESIS
DEAL SCORE PENDINGWHY THIS IS A DEAL
01
HEADLINE · COMPOSITE
SCORE BREAKDOWN
Awaiting first price event to compute score.
Insider unlocks the four evidence rows below.
Motivation · Negotiability · Below median · Every section below
INPUTS
4 signals + relist
WEIGHTS
Drop 35 · Neg 25 · Med 20 · Conf 10 · Relist 10
COMPS
Active comps refreshed 3× daily
BENCHMARK
Harbour Lights, last 180d
REFRESH
3× daily
IV · CASHFLOW
UAE CB GUIDELINES · YOUR ASSUMPTIONSMORTGAGE · RENT · BREAK-EVEN
YOUR ASSUMPTIONS
Down payment20%
15%40%
Interest rate6.00%
3.50%8.00%
Term25 yr
15 yr30 yr
UAE CB caps · 25-yr tenor · 80% LTV on a first home ≤ AED 5M · rates vary by bank — drag the sliders
MONTHLY · NOW
AED 8K
vs AED 8K at pre-drop price (AED 1.53M) · See cuts ↓
DOWN PAYMENT
AED 306K
20% of price
DLD FEE
AED 61K
4% of price
MORTGAGE REG
AED 3K
0.25% loan + 290
CASH TO CLOSE
AED 371K
Day-one out-of-pocket
LOAN AMOUNT
AED 1.22M
25y · 6.00%
TOTAL INTEREST
AED 1.14M
Over full term
RENT VS BUY
RENT · ESTIMATE
AED 8K
/ mo · ~6% gross yield
BUY · NOW
AED 8K
+AED 236 / mo
Your monthly cost is already higher than the rent estimate — the buy vs rent break-even leans on price appreciation rather than monthly cash flow.
STRESS TEST
AT VARIOUS RATESIf rates climb to 8%, your payment grows by ~AED 2K/mo.
VII · TRUST & ACTION
DATA ATTESTEDTHIS IS THE MOMENT
SOURCE & CONFIDENCE
90%HIGH
Source
PropertyFinder
Ref · Prope-S-151284
Last verified
…
04 Nov, 21:47
Freshness
3× daily
8h scan window
Method
Direct scrape
Reference-keyed
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